Zebec Network scales real-time payroll with USDC and EURC
With focus on the US market, Circle's longevity, built-in trust and market track record, USDC remains one of the logical and primary stablecoins Zebec operates with.”
For most finance, HR, and operations teams, payroll is one of the more routine financial operations in the business. Yet it still runs on infrastructure built for an earlier era — pay is calculated, queued, and delivered on fixed cycles that reflect banking windows and batch processing rather than the reality of how people earn, spend, and manage money today.
Zebec Network, a Circle Alliance Program member*, set out to close that gap. Its motivating premise is straightforward: when payroll lands days or weeks after work is completed, employees and contractors effectively finance the wait, while employers absorb the overhead of managing payout schedules, exceptions, and cross-border complexity. Payroll, in other words, has a time-value-of-money problem.
The problem to solve: time value of money.”
Zebec Network’s answer was to modernize payroll and payments with stablecoins. Its multichain payroll and payments platform lets employers open, pause, or adjust payment streams to employees and contractors, who can hold funds in a supported wallet, offramp where available, or spend through cards. To make that work at enterprise scale, Zebec Network needed an internet-native dollar — and, increasingly, a euro — that was operationally dependable, compliance-ready, and proven across a wide range of payout workflows.
It found that in USDC and EURC.
Building programmable payouts
Zebec Network’s decision to focus support on USDC1, and later EURC1, came down to practical considerations. To serve a wide range of employers, employees, and contractors, the company needed settlement assets that were already recognized by customers, supported across ecosystems, and stable enough to anchor repeatable payout workflows.
For employers, that translated into the ability to open, pause, or adjust payment streams on demand. For employees and contractors, it meant continuous access to earned pay, the option to receive funds in a supported wallet, and offramps where available.
With focus on the US market, Circle’s longevity, built-in trust, and market track record, USDC remains one of the logical and primary stablecoins Zebec operates with.”
By implementing both USDC and EURC, Zebec Network gave its platform a consistent unit of account for payroll streaming and broader payments — and the flexibility to extend beyond its origins on Solana as customer demand pulled it toward multichain support.
With the assets and chains in place, Zebec Network could pursue the bigger change: the payout model itself. Rather than treating payroll as a periodic batch event, it used stablecoins to make pay programmable, supporting real-time streaming and partial payouts that more closely match how workers actually want to access their earnings. What began as an early experiment — at a time when only a handful of finance and operations teams were comfortable handling digital assets at all — has since become a routine request from companies deploying stablecoin payroll and contractor payments as standard workflows.
From early payroll experiments to enterprise-scale volume
As Zebec Network matured from a startup into a multichain payroll and payments platform, stablecoins remained foundational. Scale brought a new set of operating requirements — reliability, compliance, integrations, and user experience — the same issues enterprise customers expect to see solved before stablecoin payroll can become a repeatable workflow.
Early on, access was the limiting factor. Employers and platforms needed a compliant, credible stable-value asset to move value digitally, and product scope was constrained by single-chain adoption. Today, Zebec Network supports stablecoin payroll, cross-border payments, and card-based spending across a much broader set of environments, integrating with traditional payment rails to meet businesses where they already operate.
Zebec Network also credits a broader market shift for making enterprise stablecoin payroll viable now in a way it wasn’t a few years ago: clearer regulation, a decisive move away from speculation toward financial infrastructure, and meaningful improvements in user experience and abstraction. Against that backdrop, stablecoins like USDC have moved from an edge case to a practical answer to the long-standing constraints of banking rails and payroll cycles.
According to Zebec Network, this shift show up in the numbers:
- More than $500 million in annual payroll processed
- More than 250 enterprise clients
- More than 13,000 employees paid across those enterprise customers
- 50,000 onchain and offchain monthly users
Beyond banking-cycle payroll
Zebec expects Circle to remain a core partner as it scales — expanding the utility of USDC and growing the ecosystem of companies Zebec can serve. That, in turn, lets Zebec keep delivering payroll and payments infrastructure that reduces operational overhead, accelerates access to earned value, and better matches how modern work is actually done.
That's been Zebec Network’s premise from the start: payroll and payments should run on internet time, not banking time.
*This site contains content and information, including links to other sites and resources, that was prepared by third parties (“Third Party Content”) who are not affiliated with Circle, or any of its affiliates (collectively “Circle”). Circle makes no representations on the accuracy, suitability, or validity of Third Party Content. As such, Circle is neither responsible nor liable for any Third Party Content, including any errors, omissions, or delays, or for any actions taken in reliance upon any Third Party Content. Reference to any specific company, product, service, or website of any third party does not constitute an implied or express endorsement, recommendation, favoring or validation by Circle. All content provided is for educational and informational purposes only. Circle shall not be liable for any damage or loss relating to use of, or reliance upon, the Third Party Content.
1 USDC and EURC are issued through regulated affiliates of Circle. A list of Circle’s regulatory authorizations can be found here.
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